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		<h2>Find Free Mortgage Councilors</h2>
		
		The U.S. Department of Housing and Urban Development (HUD) sponsors housing counseling agencies throughout the country
		 to provide free or low cost advice. However, housing counseling agencies participating in HUD’s program are permitted 
		 to charge reasonable and customary fees for some forms of housing counseling, so be sure to ask if the advice will be free.
		 
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		You can find a list of these agencies <a href="http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm">here</a> or call HUD’s interactive voice system at 1-800-569-4287.	
			
	
	
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